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Contents

It is easy to underestimate the value of your home’s contents. Sadly, this can be an expensive oversight should something ever go wrong. We are here to help you make sure you are sufficiently covered.

Santam claims statistics indicate that one out of three homes in Namibia are underinsured by some 30%. Make use of our online risk calculators or arrange for a professional assessment to determine the correct replacement value of the contents of your house.

Our basic contents insurance covers the following benefits and convenience, at no additional cost:

  • Accidental breakage of mirrors and certain glass inside your house
  • Rental amount of up to 25% for alternative accommodation should your house be damaged and not suitable to live in
  • Fire extinguishing charges incurred to prevent or reduce damage to your property
  • Damage to your property caused by wild monkeys or baboons
  • Cover for the personal effects of guests and domestic employees – up to N$5 000
  • Contents of your refrigerators or freezers - minimum of N$5 000 and
  • The cost of employing home security guards – up to N$5 000

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The benefits of insuring with us

Santam is the insurer of choice for thousands of Namibians countrywide. We help keep you safe by delivering insurance good and proper.

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Our flat excess structure

We can’t keep the unexpected from happening. But we can make sure that there are no nasty surprises when it comes to your insurance and you are not left with more questions than answers. Our excess structure enables us to fulfil our promise to you of insurance good and proper. With our flat excess, you know upfront how much your excess will be thus eliminating surprises at claims time. Now that’s proper, dependable, thorough insurance against any eventuality.

Contents

• The excess for claims relating to lightning is n$500 and n$250 for accidental damage

Excess for clients 55 years and older

• No excess applicable

Cover for connoisseurs

Personal legal liability


Personal legal liability provides insurance cover if you are legally responsible for the accidental death, illness or injury to someone who is not a member of your household. This cover includes your legal responsibility for accidental physical loss or damage to someone else’s property or belongings.

Extended personal legal liability


No matter where you go in the world, we will ensure that you are covered against eventualities which you are not covered for under our Personal legal liability section.

Legal costs and expenses


This option provides cover for any personal legal costs and expenses. This includes legal defence costs of family matters, as well as criminal, civil or labour court actions.

Personal accident


We provide cover for your accidental death or permanent disability as a result of bodily injury due to, and within 12 months of an accident.

Hospital benefit plan


Our hospital benefit plan compensates you for each 24-hour day in hospital as a result of an event which you are insured for.

All Risks

We carry expensive lifestyle items and other valuables with us every day. Our All Risks solution provides cover for loss of or damage to items you normally wear or carry with you outside your home.

Our All Risks section includes cover for:

  • Clothing and personal effects - the clothes you wear, as well as the personal items you carry with you, including personal sporting equipment; and
  • Specified items – items that need to be specified for cover, based on their correct value. This includes keys, locks, remote control units, certain collections, bicycles, laptops, tablets and cellphones. All specified items will be reflected in your policy.

Cellphone

Jewellery

Audiovisual

Special collection

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Welcome to our blog

Santam shares the latest news and great perspectives on everything from the formation of lightning and your car’s tyre tread to your house’s roof, your business’ gutters and just about anything else that affects your safety.

Why you need building insurance and how to switch from your bank

Why you need building insurance and how to switch from your bank

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Protect your home against flooding

Protect your home against flooding

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How to winterproof your home and save money

How to winterproof your home and save money

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Comparative tables

View our comparative table for an overview of our insurance offering for home or building contents, including your bed and breakfast establishment.

House contents

In the news

10 tips to ensure your insurance claim is paid out

26 July 2016

The Ombudsman is often approached to settle disputes after a claim has been rejected by an insurer. Here are 10 essential tips to make sure you won't have a claim rejected.

Drunk driving warning from ombud

26 July 2016

You are probably aware that if you crash your car while driving under the influence of alcohol or other drugs, your insurance company has the right to repudiate your claim, leaving you liable not only for the damage to your vehicle, but also for any other damage caused by the accident.

Read more